Kapitech: Budget & Debt Payoff
JOSIP MARKOVIC
About this app
- Age 10
- Updated Sep 1, 2025
- OS IOS
Editor reviews
A focused personal finance app that combines a simple budget planner with a powerful debt payoff tracker. Plan monthly spending, track every dollar, and see a clear timeline to become debt free.
Core features include smart budgeting with customizable categories and optional zero-based budgeting, a debt payoff calculator with Snowball and Avalanche methods plus payoff date forecasts, and bill reminders with savings goals to keep cash flow on track. Lightweight, efficient, and designed for productivity, it helps you manage budget, debt payoff, and savings without complexity.
Screenshots
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How to use:
1. Download and sign up, then set your currency and start a new budget.
2. Add income and create spending categories; assign planned amounts or use zero-based budgeting to give every dollar a job.
3. Enter each debt with balance, APR, and minimum payment; choose Snowball or Avalanche to generate your payoff plan and timeline.
4. Record transactions as you spend and pay bills; schedule due-date reminders to avoid late fees and adjust categories as needed.
5. Set savings goals or sinking funds, review reports and progress, and fine-tune your budget and payoff strategy each month.